FAQs
General Information | Visa Debit Cards | Online Banking | Bill Pay | Mobile Banking | Mortgage Loans | Consumer Loans | General Loan Questions | Commercial Loans | Treasury Management
What is the mailing address for First Federal Savings Bank?
P.O. Box 1111, Evansville, IN 47706 for regular U.S mail. For overnight delivery, please use 5001 Davis Lant Dr. Evansville, IN 47715
What is First Federal Savings Bank’s ABA/Routing number?
Our ABA/routing number is 286371676.
What information do I need to send a wire transfer to First Federal?
Domestic
- Bank Name: First Federal Savings Bank
- Bank address: PO BOX 1111 Evansville, IN 47706
- Bank ABA/Routing number: 286371676
- Beneficiary: Name (receiving customer)
- Beneficiary: Address:
- Beneficiary: Account #
International
- Beneficiary Bank: First Federal Savings Bank
- Bank address: PO BOX 1111 Evansville IN 47706
- Bank ABA/Routing number: 286371676
- Intermediary/Receiving bank: TIB – The Independent Bankers Bank
- SWIFT: TIBBUS44
- Beneficiary: Name (receiving customer)
- Beneficiary: Address:
- Beneficiary: Account #
How do I reorder checks for my account?
Visit the Deluxe website to reorder checks at your convenience. You may also bring in your reorder slip or request a reorder at a Banking Center convenient to you.
How do I update my contact information or change my name?
It is important for us to have your current information on file. If anything needs to be updated, please visit a Banking Center near you so that we can update your information. If you are unable to visit a Banking Center, please contact us so we can process your request by secure email or mail.
Depending on the information being updated or changed, we may require that additional information be provided before processing a request. In order to process some requests, it is possible that we will need all accountholders to sign updated account documents.
Does First Federal Savings Bank offer consumer credit cards?
Yes, First Federal Savings Bank partners with TIB credit card services to provide you with multiple options to fit your unique spending needs. Please visit our credit card information page by clicking here.
I received my new Visa© Debit Card. How do I activate it?
You will need to activate your Visa© Debit Card by calling (800) 992-3808.
I would like to change the PIN on my Visa© Debit Card. What do I need to do?
Simply call (800) 992-3808 and have your card present to change your PIN. You can also do this in the Cards section of the mobile banking app.
I have lost my Visa© Debit Card or it was stolen. What do I need to do?
You can easily freeze your Debit/Credit Card using our mobile banking application. If you are unable to download or use the application to control your card(s), you may call your local Banking Center or the eBanking Department at (812) 492-8123 for assistance.
To contact us after-hours regarding a lost or stolen card, please call (800) 554-8969.
I have a fraudulent transaction on my Visa© Debit Card. What do I need to do?
You may call your local Banking Center or the eBanking Department at (812) 492-8123 for assistance. To contact us after-hours to report fradulent activity, please call (866) 960-2290.
Is there a way I can prevent additional fraud on my new card?
You are encouraged to utilize the Alert and Control features on our mobile application to monitor your transaction activity. Customers can also opt-out of the VISA Account Updater (VAU) to prevent new card information to be relayed to authorized merchants with recurring payments. When customers have their debit cards replaced due to expiration date or being lost or stolen, the VAU update will allow participating merchants to obtain the new card information automatically for the customer’s recurring payments that have been previously setup. Customers can opt-out of this service at any time by filling out the VISA Account Updater Opt-Out form at their local branch location.
I received a phone call or text about an unusual transaction on my Visa© Debit Card. What do I need to do?
First Federal Savings Bank does utilize a fraud detection service for your Visa© Debit Card. From this, you may receive a phone call or text concerning unusual transactions on your card. Please follow up on any of these phone calls or text either by calling your local Banking Center, by calling the eBanking Department at (812) 492-8123, or by directly returning the call back to fraud services.
Please note that we will never ask you to provide your full card number. If you are ever concerned about the legitimacy of a phone call, please do not hesitate to contact us using the phone number printed on the back of your Visa© Debit Card.
To contact us after-hours regarding unusual activity on your Visa© Debit Card, please call (800) 554-8969.
Why do I have a $1.00 transaction pending on my account?
Some merchants will pre-authorize your Visa© Debit Card to ensure that it is a valid account. The $1.00 transaction is simply a hold on your account. Once the actual payment posts, typically within 2 or 3 business days, the pre-authorization of $1.00 will be removed.
My Visa© Debit Card was denied for a large purchase but I have sufficient funds. Why did this happen?
There are purchase limits placed on all Visa© Debit Cards for your protection. These limits are set per a rolling 24-hour timeframe. If you wish to adjust these limits temporary or permanently, please contact a Banking Center office convenient to you. If you are a business customer, please contact a Commercial Loan officer. Outside of business hours, you may contact (866) 960-2290.
I am traveling out of state or out of the country. Should I notify First Federal Savings Bank?
It is no longer necessary to notify First Federal Savings Bank when you are traveling. You can create a travel exemption through our mobile banking app by tapping My Cards within the mobile application. Certain travel destinations may require additional approval from First Federal/Home Building Savings Bank. If you do not see the country you are traveling to listed, please contact First Federal/Home Building Savings Bank’s eBanking team at (812) 492-8123 or via email at ebanking@fbei.net. Outside of business hours, you may contact (866) 960-2290.
How do I sign up for online banking?
Visit our homepage and click the red “Enroll” button underneath the online banking banner. Follow the steps and enter your information to complete enrollment. Please contact the eBanking Department at (812) 492-8123 or any of our Banking Centers for further assistance.
https://www.firstfedsavings.bank/
I have forgotten my password for online banking. What do I need to do?
After attempting to log in, simply click “Forgot Password?” on the password entry screen underneath the password box. You will be prompted to enter verifying information in order to proceed. If successful, a new password will be sent to your registered email address.
I am having trouble logging into online banking. What do I need to do?
Please contact our eBanking Department at (812) 492-8123 or visit any one of our conveniently located Banking Centers for further assistance.
I still receive a paper statement but would like to receive an eStatement. What do I need to do?
After logging into your online banking profile, select the Accounts tab, then click the Documents button below the account number to begin the enrollment process.
Please contact the eBanking Department at (812) 492-8123 or any of our Banking Centers for further assistance.
I would like to change my online banking password. What do I need to do?
After logging into your online banking profile, click the Profile link near the top right corner of the page. From there, select the edit button underneath the Password section, and then follow the instructions to change your password.
I would like to install the mobile banking app on my smartphone. What do I need to do?
See the Mobile Banking section of our website for instructions.
What number will multi-factor authentication notifications come from?
Voice calls will come from phone number (669) 241-2767. Text messages will come from 36397.
How do I sign up for Bill Pay?
Before enrolling in Bill Pay, you will need to set up an online banking account. For online banking enrollment instructions, please visit the online banking section of the FAQ.
After logging into your online banking profile, click on the Pay Bills button along the top of the page. If you are not currently enrolled, this button will initiate the Bill Pay enrollment process. After the service has been activated, this same button will access your payment center in the Bill Pay system.
https://www.firstfedsavings.bank/billpay
I have set up a Bill Pay payment; when will my payment be received?
Payments submitted on Bill Pay are guaranteed to be received on or before the payment date that you set. If you have any additional questions regarding a particular payment, please contact the eBanking Department during business hours at (812) 492-8123. If after hours, you may always call and leave us a voicemail, send us an email at ebanking@fbei.net, or submit a payment inquiry directly in the Bill Pay system.
How do I start using each of the mobile banking apps?
We offer two convenient mobile banking applications dependent on your banking needs (Bizlink and FFSB Mobile). For personal banking account services, simply download the mobile banking app by visiting your phone’s app store and searching “First Fed SB-Evansville, IN”. You’ll be able to enroll straight on the mobile app. If you already have an online banking profile, you can use the same username and password to login to the mobile app. If you are a business customer interested in our Bizlink app, go to the app store and search “First Federal Bizlink” to download our application.
How do I download the First Federal Savings Bank mobile banking app?
From your device’s App Store (iTunes© or Google Play©), search for “First Fed SB-Evansville, IN” and then select and download the app.
Online Banking
- In your online banking profile, click Profile on the top right to visit your profile options. Select Manage Devices from the mobile banking section. Select or add the device you’re using and select Download the Application from the dropdown menu and press Go. Click Download to send a link to your mobile device to download the mobile banking app.
What will I need in order to log into the mobile banking app?
You will be asked to provide your current online banking username and password. If you are accessing or enrolling into mobile banking for the first time, you will need the following credentials: Social Security Number, full 10 digit account number, date of birth, and email address.
I am having trouble logging into the mobile banking app. What should I do?
Please contact our eBanking Department during business hours at (812) 492-8123 for assistance with logging in.
Retail Loans (Mortgage and Consumer)
What types of Mortgage Loans does the Bank offer?
https://www.firstfedsavings.bank/mortgage-loans/
What type of Consumer Loans does the Bank offer?
https://www.firstfedsavings.bank/consumer-loans/
I am interested in applying for a mortgage loan at First Federal Savings Bank. Who should I contact?
Please contact one of our experienced Loan Officers or contact the Retail Lending Department at (812) 492-8142. Retail Lending can also be contacted via email at RetailLending@fbei.net.
What is the “One Close” Construction loan?
The First Federal Savings Bank “One Close” Construction/Permanent Loan Program is a one-time closing construction to permanent mortgage loan.
https://www.firstfedsavings.bank/mortgage-loans/
Does the Bank offer a First Time Homebuyer’s loan?
We offer a first-time homebuyer program that is designed to assist individuals or families taking their first steps into homeownership.
https://www.firstfedsavings.bank/mortgage-loans/
What is an EasyRefi?
This loan allows the borrower to refinance up to 80% of the value of their existing home for a term of 5 to 15 years with closing costs of only $199!
https://www.firstfedsavings.bank/mortgage-loans/
How much of a down payment is required on home purchase loans?
Depending upon the loan program, a minimum down payment of 3% up to 30% may be required.
What is meant by local servicing and does the Bank offer this?
After the loan is closed and payments begin, local servicing provides you with the ability to go to any of our conveniently located Banking Centers to make your payment. Your physical loan file remains at the bank. Also, taxes and insurance are paid for you by the Bank if your loan escrows funds for these payments. First Federal Savings Bank provides local servicing on all conventional loans offered by the bank. Government loan programs including: Federal Housing Administration (FHA), Veterans Administration (VA), and U.S. Department of Agricultural (USDA) are not locally serviced. When a lender sells the servicing, you can no longer make your payments to the lender. This is typically referred to as a servicing release loan. Usually the payment is made to another servicer out of town.
What are closing costs?
Closing costs are the expenses you have to pay at settlement. These fees are estimated on a Loan Estimate that is given to you within three days of applying for a mortgage. These fees consist of, but are not limited to: points, appraisal fee and inspections, credit report fees, flood certification and tracking, processing, underwriting, tax service fee, wire fees, settlement fee, title search and title insurance, recording fees, escrows, PMI, and interest from the day of settlement to the end of that month. Typically, closing costs on first mortgage loans may be between 3% and 5% of your loan amount in addition to the down payment.
What is Private Mortgage Insurance and what is it for?
Private Mortgage Insurance, also known as PMI, is insurance that a lender requires the borrower(s) to pay for when borrower(s) do not have a 20% down payment. This insurance insures the lender in case you default on the loan and helps the lender to recover their money. It also helps the buyer to purchase a home without a 20% down payment.
What is home equity?
Home equity is the difference between the appraised value and any outstanding mortgage balances(s). For example, if your home is worth $150,000 per the appraisal and the principal balance remaining on your mortgage is $100,000, then your home equity – the portion of your home that you own – is $50,000.
What is a Home Equity Installment Loan?
A Home Equity Installment Loan provides you with a one-time lump sum cash amount. You repay it as you would any other installment loan, in fixed monthly payments.
https://www.firstfedsavings.bank/home-equity-loans/
What is a Home Equity Line of Credit Loan?
A Home Equity Line of Credit provides you with a line of credit that can be accessed any time up to the credit limit established. This line of credit can be repaid and borrowed against throughout the life of the loan.
https://www.firstfedsavings.bank/home-equity-loans/
When do I get my funds on Home Equity Loans?
Upon loan closing, federal regulations require that we wait three business days before the proceeds from any Home Equity Loan is available to you. Refinancing of any First Mortgage Loan including an EasyRefi loan also will require the same three business day wait.
General Mortgage and Consumer Loan Questions
Where do I mail my payments or loan payoff funds?
Please mail all loan payments to:
First Federal Savings Bank, P.O. Box 1111, Evansville, IN 47706 for regular U.S mail. For overnight delivery, please use our street address: 5001 Davis Lant Dr. Evansville, IN 47715
How can I make my consumer or mortgage loan payment?
You can make a payment at any of our convenient Banking Center locations, by mail, as an online express transfer through bill pay or by calling our Loan Servicing Department at (812) 492-8125. Over the phone payments are accepted as checking/savings transfers from internal or external accounts and expedited payment fees may apply.
Can I make extra payments on my loan?
The answer to this question will depend upon the type of loan you are choosing to prepay. Please contact the Loan Servicing department at (812) 492-8125 to answer this question about your loan.
I did not receive my consumer loan statement this month. Who do I need to contact?
Please contact the Loan Servicing department at (812) 492-8125. The statement can be reproduced and sent to you.
How can I access my loan account information online?
If you have a loan relationship with the bank, you can sign up for online banking. Through the online banking system, you can view a payment history, a current payment status, etc.
Who should I contact about the outstanding balance or payoff amount on my consumer or mortgage loan?
Though you can see an outstanding principal balance through the online system, please contact Loan Servicing at (812) 492-8125 to obtain a payoff quote that includes all funds needed to close out your loan.
I would like to set up an automatic payment withdrawal for my consumer loan. How can I do this?
You can create a recurring transfer within our online banking system. You can also contact Loan Servicing or visit one of our convenient Banking Center locations to complete the necessary forms to set up an automatic payment from any checking or savings account.
I am paying off my consumer loan. How soon will I receive my title/lien release?
All titles will be released within 10 days of payoff.
I am paying off my Real Estate Secured loan. How soon will I receive my paid in full documents?
Generally, within 2 weeks of the payoff date, your paid in full documents will be mailed to you and the mortgage release will be recorded with the County Recorder’s office.
Who should I contact if I’m having trouble keeping my loan payments current?
You should contact our Collection Specialists at (812) 492-8127 or via email at Collections@fbei.net.
Who should I contact if I’d like to make a loan payment by phone?
You should contact our Loan Servicing department M-F 8:00 AM – 5:00 PM CST (excluding bank holidays) at (812) 492-8125 or via email at LoanServicing@fbei.net.
What types of Commercial Loans does the Bank offer?
https://www.firstfedsavings.bank/business-loans-and-sba/
Does the Bank offer Commercial Loans through the US Small Business Administration?
https://www.firstfedsavings.bank/business-loans-and-sba/
What are the current interest rates for Commercial Loans?
Interest rates for commercial loans are determined based on a variety of factors including, but not limited to, the type of loan, the term of the loan, the financial performance of the business, and the guarantor’s credit history. Therefore, interest rates for commercial loans are not published on our website. Please contact a Commercial Loan Officer if you would like to discuss or if you have any questions.
Can I apply for a Commercial Loan through the Bank’s website?
Please call one of our experienced Commercial Loan Officers if you are interested in applying for a commercial loan. You may also call the Commercial Loan Department at (812) 492-8126.
Will I receive a coupon book for my Commercial Loan?
Commercial loan customers will receive a billing statement in the mail. Billing statements are produced and mailed 14-days prior to your payment due date.
Can my Commercial Loan be set up for automatic payments?
Yes, automatic payments can be set up for your commercial loan. Please contact your Commercial Loan Officer or the Commercial Loan Department at (812) 492-8126 to obtain a form to set up automatic payments. You may also stop by any of our Banking Centers to complete and submit this documentation.
What is Treasury Management and what products do you offer?
https://www.firstfedsavings.bank/treasury-management-services/
What is an Employer Identification Number (EIN)?
An EIN is the Federal Tax ID number that is provided through the IRS. This number is used as the unique identifier for your business account.
How do I change signers on my business account?
It is important for us to have your current information on file. Depending on the information being updated or changed, we may require that additional information be provided before processing a request. In order to process certain requests, it is possible that we will need all accountholders to sign updated account documents. Please contact the Treasury Management Department at 812-492-8124 with any questions.
I am a business owner looking for practical payment options and online access. What do you offer?
https://www.firstfedsavings.bank/business-online-banking/
I want to allow my customers to pay with a credit/debit card. What does First Federal Savings Bank offer?
https://www.firstfedsavings.bank/merchant-services/
I don’t have time to make it to the bank every day; does First Federal Savings Bank offer a service to help?
https://www.firstfedsavings.bank/remote-capture/
Does First Federal Savings Bank offer Business Credit Cards?
https://www.firstfedsavings.bank/business-credit-cards/
